Types of binbank cards and reviews of bank platinum card holders. Reissue of a Binbank card Internet Bank upon receipt of a Binbank debit card

Updated 01/15/2017.

Since the publication of this article, the conditions for the Binbank Platinum card have deteriorated significantly: the interest on the balance of own funds has disappeared, the issue fee has been added, the service fee has increased, and the Binbonus program has changed quite seriously in the fall of 2016. The current card with the Binbonus program and interest on the balance is discussed in the article.

The list of restrictions for which cashback is not allowed is quite standard:

Separately, the MCC codes of operations are also listed, for which remuneration is also not allowed:

The main thing worth noting is that the categories that you can choose for increased cashback accrual are very good and voluminous. When activating the card, you need to select one category out of five (it's free, it starts working immediately):

AND) Travels.
This includes airline tickets, railway tickets, bus tickets, car rental, hotels and hostels.
MCC codes: 3000-3299; 3351-3441; 3501-3790; 3791; 3797; 3799; 3803-3806; 3809; 3810; 3817; 4112; 4131; 4511; 7011; 7512.

B) Health, sports and beauty.
In this category are sports clubs, beauty salons, cosmetics stores, hairdressers, spas, pharmacies, hospitals, massage parlors.
MCC codes: 5912; 5977; 7230; 7297; 7298; 7997; 8062; 8099.

AT) Recreation and entertainment.
This included cafes, canteens and restaurants; bars, discos and clubs; tickets for football, basketball, hockey, etc.; cinemas and theaters; bowling and amusement parks; circuses, attractions, amusement parks; exhibitions and museums.
MCC codes: 5812-5814; 5971; 7832; 7922; 7932; 7933; 7941; 7991; 7994; 7996; 7998.

G) Auto.
Gas stations, car services, car washes, auto parts.
MCC codes: 5511; 5533; 5541; 5542; 5983; 7531; 7534; 7535; 7538; 7542.

D) Internet shopping.
All online stores. The affiliation of a transaction to the “Online shopping” category is based on the payment method.

In my opinion, the “Online shopping” category is the most preferable, since, for example, a plane ticket can also be bought on the Internet and get 5% cashback without even activating the specific “Travel” category.

There are, however, reviews that cashback for tickets with the activated category “Internet purchases” was credited to someone, but not to someone:

However, in the "Frequently Asked Questions" "Binbank" quite unequivocally answers that cashback with the activated category "Internet purchases" for the purchase of air tickets on the company's website is required:

You can change your favorite category. Changing the category of increased cashback costs 250 rubles. Please note that the new category will only take effect from the next month, so you will not be able to quickly change the category before purchase:

If during the month you change your favorite category several times, 250 rubles will be taken from you only once:

Cashback is paid before the 5th day of the next month, the maximum amount is 3000 rubles. The minimum amount to be paid out is 50 rubles:

Income tax is not charged on cashback:

Also keep in mind that cashback is credited for actual transactions on the account (usually this happens a few days after the purchase), so transactions in the last days of the month are likely to fall into the cashback calculation for the next month.

Do not forget that Binbank reserved the right to exclude any client from participation in the bonus program:

3 The balance of funds on the card in the amount of up to 500,000 rubles is charged 7% per annum if there are purchases in the amount of at least 500 rubles per month:

The interest is calculated on the actual balance as of the beginning of the business day.

UPD: 06/20/2016
From 06/09/2016 for new cards, interest on the balance of own funds on the Binbank Platinum card is not charged.

Thus, the Binbank Platinum credit card with a credit limit of 0 rubles becomes less profitable (if issued after 06/09/2016).
It is better to issue a debit instant "Payer Card", which will accrue 5% on the balance up to 500,000 rubles if there are purchases in the amount of 500 rubles per month. Maintenance for the first three months is free, then 50 rubles a month if the amount of purchases is less than 1,500 rubles a month. The bonus program for the "Payer's Card" is the same as for the "Binbank Platinum" card.

UPD: 11/05/2016
At the moment, the "Payer's Card" is no longer issued.

4 "Binbank" allows you to "pull" money from other cards for free. It is important to make sure that the "donor" bank does not charge commissions for such transactions. For example, they do not allow you to “pull” from your cards “MKB”, “MTS”, “UBRD” for free:

The maximum amount of one transaction is 85,000 rubles. A limit of 599,000 rubles is set per month.

A similar service for free replenishment of their cards using cards from third-party banks is available at, at.

In order to avoid the occurrence of a technical overdraft, before making transactions using the card, make sure that the money is actually credited to the account (and not just increased the card balance). Penalties accrued on the amount of untimely returned unresolved debts are 60% per annum.

5 The "Binbank" card itself can be a free "donor", i.e. from it you can "pull" your own funds to other cards.

6 A large number of ATMs where you can withdraw cash from your card.
In addition to Binbank ATMs, these are also Alfa-Bank and PJSC MDM-Bank ATMs (the maximum number of withdrawals per day is 10. The daily limit is 100,000 rubles, the monthly limit is 300,000 rubles. With the Binbank Profitable card of the Standard category, the monthly limit withdrawals - 500,000 rubles).

7 The card can be topped up in different ways. In addition to "pulling" from other cards, you can replenish the Binbank card for free at the ATMs of Binbank, Alfa-Bank, MDM-Bank.

For non-cash replenishment of the card, Binbank offers to use a common consolidated account:

However, this is not very convenient, since in fact you are sending money to a legal entity (then the bank manually transfers money to your card account from the general account), and some banks do not allow such transfers (for example, Touch Bank allows you to make interbank transfers only to accounts individuals, with some exceptions). In addition, when replenishing a card using a consolidated account, there may be delays in crediting.

You can open a current account (savings account "Piggy bank") in the Internet bank and replenish it directly with the interbank bank, and then also transfer between your accounts to the card through the Internet bank - it will be faster.

For crediting non-cash funds to the card account over 600,000 rubles, a commission of 3% is taken:

8 Bonuses that provided by the Visa payment system .

Binbank Platinum instant card. Minuses

1 SMS informing is paid - 50 rubles per month. Only the first 2 months are free:

Do not forget to disable this service upon receipt of the card, if you do not need it, and also be sure to double-check on the hotline whether SMS informing is really disabled after your request.

2 Many clients complain that they connect additional insurance to the card:

3 Reissuing a card for any reason (loss, damage, theft) costs 350 rubles (instead of an unnamed one, they will issue a personal one).

Reissuing a "Profitable Card" from "Binbank" costs 500 rubles.

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Binbank offers an extensive line of bank cards, including credit, payroll, pension and others. Each has its own characteristics. In Binbank cards, you can choose one of the international payment systems MasterCard and Visa.

A line of bank cards from Binbank

• Mastercard Black Edition;
• multicurrency;
• Priority Pass;
• visa application;
• concierge service;
• travel insurance;
• credit limit up to 1 million rubles;
• cash withdrawal without commission around the world in an amount not exceeding 75 thousand rubles. per month.

The cost of maintenance is 15 thousand rubles. in year.

In addition to those listed, you can also get cards "Junior", "Ozon.ru", "Airmiles".

Registration

You can order a card online on the official website of Binbank, as well as at any branch of a financial institution. It will take up to 10 minutes to complete the online application. The client of the bank will receive a notification about the date when he can pick up the card at the nearest branch of Binbank.

What data will you need to provide:

• contact information in Russian and English;
• passport data;
• place of work;
• Additional information;
• place of delivery (office where it will be convenient for you to pick up the card).

Also, you must have a mobile phone with you, an SMS code will be sent to it to confirm the information.

Internet banking

Binbank offers banking services online via the Internet. Thus it is possible:

• find out any information about your accounts, loans and deposits;
• pay utility bills, taxes and fines through your personal account;
• transfer funds from your accounts or to the accounts of other users of Binbank or other financial institutions;
• convert funds;
• manage term deposits.

The Bank guarantees 100% protection of all transactions and the safety of funds.

Moscow Commercial Bank Binbank offers its customers several debit cards of the Visa Classic and Mastercard Standard payment systems. However, the most popular and sought-after product is Binbank's debit income card. The bank's advertising slogan about this card sounds something like this: Perhaps the most successful combination of a term deposit and a bank card. Let's find out if this is true!

Internet bank upon receipt of a debit card of Binbank

All customers who have entered into an agreement for the issuance and maintenance of a bank card get access to the BINBANK-online Internet bank, where you can make any operations for debiting, transferring, paying fees, fines, services, etc.

When visiting the Internet Bank for the first time, the client enters his login and temporary password, after which the data must be changed for security purposes.

To complete each operation, a secret code is sent to the holder's mobile phone, which must be entered in the appropriate field to confirm the operation. Only in this case the transaction will be completed successfully.

No commission is charged for the provision of the Binbank-online service. As well as no additional fee is charged for providing a statement of the client's card account at bank branches or ATMs of Binbank. There is also no commission for a monthly statement.

But for SMS-informing about card transactions, that is, SMS-bank, you will have to pay. The first 2 months this service is provided free of charge, after which a monthly fee is charged.

Transfer to a Binbank debit card - where can I find the details?

The owner can find out the plastic account number on their own by going to BINBANK-online or by calling the free hotline number for customers. Also, the number of the account to which the card is linked is indicated in the agreement for issuance and banking services.
To find out the bank details for making a payment or transfer, just go to the official website > About the bank > Details. In the last section there will be BIC, TIN, corr. account and other necessary information.

If you need to make a transfer to a cardholder of a third-party bank, for this operation you will need the card or account number of the subscriber, as well as bank details, which can be found on the official website in the appropriate section.

Cons and pros of a Binbank debit card

Binbank debit card- a very convenient tool with which you can not only make income and expenditure transactions, but also save money, making a profit. However, not everything is as smooth as it might seem.

First, the annual service fee is embarrassing. It is prohibitively high, although the status of the card and additional buns oblige.

In the realities of the modern world, the lack of Apple Pay and Samsung Pay seem to be a disadvantage.

Of course, the card has more advantages:

1. Interest on balance
2. Cashback on all purchases and increased cashback on selected categories
3. Opportunity to receive free service subject to conditions
4. Status card with special bonuses, discounts and privileges from the payment system.

Any bank card has its own validity period, which is usually 3 years. At its end, the card is reissued to BINBANK. Consider the rules for applying, the cost and other features of the procedure.

Features of reissuing a BINBANK card

The owner of a debit or credit card may need to reissue the card in various situations. This may be early closure in order to obtain a card of a different category, and the need to change the name of the credit card holder. However, the most common options are to reissue the card due to its loss or expiration. Let's consider these cases in more detail.

Reissue upon expiration

The reissue of a credit card in BINBANK or settlement takes place according to the rules similar for all institutions:

• By the end of the expiration date, B&NBANK produces plastic of a similar level and type, inflicts the name of the owner.
• The card is delivered to the branch of BINBANK, where the client is served, 2-4 weeks before the date.
• The holder of the expired card is notified of the availability of a new one in the office.
• The owner visits the branch, picks up a new one and returns the old one. The latter is destroyed in his presence. The reissued card is linked to the existing account. When it comes to credit, all debts and conditions are preserved. The cost of service and other tariffs remain the same, within the framework of the current contract.

There is no need to submit an application for reissue separately, the procedure takes place without the participation of a private person. The cost for reissuing a card to B&NBANK is not separately assigned. If the cardholder does not need an extension, this must be submitted to BINBANK at least 30 days before the date marked on the front side. At the same time, all credit card debt must be paid off by this date.

Please note that the reissue of the card is not carried out in the prescribed manner in only one case: if the client has not used the card for 3 months before the end of the term (there are no incoming and outgoing transactions, the credit limit is not borrowed).

The cost of reissue in case of loss or damage

The card is reissued at BINBANK not only for the reason described above, but also under the following conditions:

• On a credit or payment card, the data about the owner or its number has been erased (not readable).
• The tape is demagnetized and transactions through an ATM or payment terminals are not carried out.
• The cardholder changed his last name, which is why the data on the plastic is irrelevant.
• The client lost the card or it was stolen.
• The Bank has blocked a credit or payment card on its own initiative upon detecting suspicious (fraudulent) transactions or in the event of a risk of violation of the client's rights.

In such cases, an early reissue occurs at the initiative of the client, which must be confirmed by a separate application indicating the reason (theft, damage, loss, etc.). When the card disappears, it is recommended to immediately block it in order to secure your funds. Only in the latter case, B&NBANK, after solving the problem, decides to unblock it or offers to reissue it.

The cost of early re-issuance of the card in BINBANK is 350 rubles. After writing the application, it is necessary to wait for some time for the production of plastic. If the reissue initiative comes from BINBANK for internal reasons related to security, the cost is not specified, the issue will be free.

Conclusion

Re-issuance of the card at the end of its validity date is carried out automatically and free of charge. On the indicated date, you can visit the BINBANK office and pick up the finished card. If the plastic is lost or damaged, it is necessary to apply for a card reissue to BINBANK, for which a certain cost is charged, according to the tariffs for a particular credit or debit card.

I travel a lot, I have issued an Airmiles Binbank Premium card. The card is convenient, no complaints. In the summer I was in several countries and accumulated 20,000 points / miles for travel, on a virtual account that went to this card.
At one point, the account with points is blocked, although I did not even have time to use it! I call the premium customer support service by phone, they say that they can’t give information by phone, you need to come to the bank with a passport to unlock it, they can’t say anything more. It is not convenient for me to go to the bank. There are no distances nearby, I have a job (I am the head of the department), a family and a child, there is no time to do this. I tried again to deal with this issue, again they did not give any information over the phone. This is despite the fact that I call the code word, my data.

As a result, I drive past the bank in Peterhof, I have 5 minutes of time, I ask the girl if it is possible to block the card and accounts only via the Internet, the girl says “yes”. I don’t consider this service Premium, so I decided not to waste time and just block the card through the application, as the bank manager said. I forget for 2 months, then I go to the application and see that there is a minus on my Debit card. 3800!!! How can I lose money on a debit card?!? I call and it turns out that blocking the card via the Internet is not enough! It is necessary to come to the bank with a passport and block it there. The issue needs to be resolved, I'm going to the bank, at the same time find out the reason for blocking the account with points.
I come with these 2 questions to the department on Leninsky Prospekt. Where once I drew up a map. Well, firstly, premium service is only until 18:00, after work I don’t have time and sit in line with everyone else.
I had 2 questions:
1. Why was the money for the service withdrawn if the manager said that the blocking in the application is enough? This issue was resolved immediately: I wrote an application, the money was returned the next day. Pleasant moment.
2. Why was my account with miles/points blocked? But the girl-manager in the bank could not answer this question for me. She said: write an application for unblocking, the security service will unblock. I could not name the reason, I was looking for something on the computer for a long time, I called someone. I decided not to dig, since they unlock it, maybe by mistake, you never know. I decided to use the main Airmiles card for the time being.
A week passes. The money withdrawn for servicing the card (see point 1) was returned to me. And the card with points was never unlocked! I call again, the girl answers me: but they won’t unblock her for you! You violated the terms of use! I ask: what exactly is the rule?!? What I did wrong? I didn't even have time to redeem those points! What exactly did I break? To which the girl again says that such information is not given by phone and I have to go to the bank with a passport!!! They send me back to the bank.

Today I again came to the bank branch in Peterhof. Again queue. I appeal to the manager with the question of clarifying the reasons for blocking the card with accumulated points. The girl answers me that she cannot answer this question! And he says that in order to get an answer about the reasons for the blocking, I must bring the following documents to the security service ... and hands me an A4 sheet. No letterhead, no signatures, no dates, no references to documents, no bank regulations or laws...just a sheet of printed text. It says: we have a program to know in the face of each client ... and something else introductory. You need to provide the bank with the following documents: and there is a list of documents related to my income. Namely: a 2NDFL certificate, my sources of income, a list of my property and other data! Attention! I have to provide all this in order to find out why my card with points was blocked! What about the law on the protection of personal data?!? I'm not taking out a loan! As a result, I wrote an application for the closure of the main card. There is no more energy to figure it out and waste your time.
It's a pity. Smart people came up with a convenient card, but obvious non-professionals spoil the impression of the bank. No premium service. On the phone, the girl generally hung up during the conversation. No "presumption of innocence"! Blocked points, but the ends can not be found.